Finance Options for Buying a Toyota Hiace Van in Australia
10:15 22/05/2025Finance Options for Buying a Toyota Hiace Van in Australia
The Toyota Hiace van is a go-to choice for tradespeople and small businesses across Australia. But while the Hiace delivers long-term value, the upfront cost can still be a barrier. That’s where smart vehicle finance options come into play.
In this guide, we’ll help you understand the different ways to finance your Toyota Hiace van — whether you're a sole trader, growing business, or need tax-smart solutions.
💳 1. Business Car Loans
Best for: Sole traders, ABN holders, small companies
A standard chattel mortgage or commercial car loan allows you to:
Own the van from day one
Claim GST and depreciation
Set flexible repayment terms (1–7 years)
Use the vehicle as security → lower interest rates
This is one of the most popular ways tradies buy a Toyota Hiace in Australia.
📊 2. Finance Lease
Best for: Businesses wanting low monthly costs
With a finance lease, the lender owns the van and you lease it for a fixed term:
Lower monthly payments
Tax-deductible lease expenses
Option to buy at the end (residual value)
This is ideal if you prefer operational flexibility and want to upgrade vans regularly.
🛠️ 3. Hire Purchase
Best for: Businesses that eventually want ownership
You hire the vehicle with the intent to own after final payment:
Fixed interest rates
Fixed terms
Depreciation and interest may be tax-deductible
Great if you plan to keep the van for the long term.
📉 4. Balloon Payment Options
To reduce monthly repayments, you can structure a balloon payment at the end of the loan term. This works with:
Car loans
Chattel mortgages
Hire purchase
Example:
Buy a Toyota Hiace for $45,000
Pay lower monthly instalments
Final payment of ~$10,000 after 5 years
This is perfect for tradies who want to manage cash flow.
🧾 5. Instant Asset Write-Off (Tax Benefits)
If you're an ABN holder or company, don’t forget the ATO's instant asset write-off scheme (limits apply). You may be able to:
Claim the full purchase price of a van under your business tax
Save thousands in one financial year
Speak to your accountant to confirm eligibility.
✅ Finance at Commercial Motor Group
At Commercial Motor Group, we make it easy for you to drive away in a Hiace with:
Fast loan approvals
Competitive interest rates
Flexible terms and balloon options
Tailored finance for tradies and SMEs
Browse our current stock of:
Or visit: 🌐 https://commercialmotorgroup.com.au
🚀 Final Thoughts
Whether you’re buying your first van or upgrading your fleet, understanding your finance options is key to long-term success. With tailored loans, leases, and tax-smart solutions, owning a Toyota Hiace is more achievable than ever.
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